Authoryze

Authoryze is a payment infrastructure layer that lets AI agents make purchases without exposing your real payment credentials. When an agent needs to buy something, Authoryze issues a single-use virtual card scoped to that specific transaction. The agent gets to complete the purchase, but your actual card number never reaches the vendor. If the virtual card details leak or get compromised, the damage is limited to one already-used card that cannot be charged again. The cards work over Mastercard and Visa networks, so they are accepted anywhere those networks are.

The problem it addresses is the growing gap between what AI agents can do and what they can be trusted to do unsupervised. Agents are increasingly capable of browsing the web, interacting with APIs, and executing tasks that involve spending money. But handing an agent your credit card details feels reckless, and rightfully so. A misconfigured prompt, a hallucination, or a malicious injection could trigger purchases you never intended. Even a well-behaved agent might interpret an instruction too literally and buy something you did not want. Authoryze puts a control layer between the agent and your wallet, ensuring that every purchase goes through a governed approval flow before any money moves.

Spending controls are the core of the product. You can set per-transaction limits, daily caps, weekly budgets, and aggregate maximums. Purchases below certain thresholds can auto-approve if the merchant is on your allowlist and no limits have been exceeded. This makes routine spending frictionless while catching anything unusual. Larger transactions get held for manual review, arriving via email or through the dashboard before any card is issued. You also get merchant blocklists to prevent agents from buying from specific vendors entirely. If you never want your agent purchasing from a particular site, you add it to the blocklist and any attempt gets rejected automatically.

Integration works with the major AI platforms. Claude Desktop, Claude.ai, Claude Code, and ChatGPT are supported through OAuth or MCP configuration. For custom agent frameworks built on your own stack, you authenticate with bearer tokens via API. Once connected, the agent can request purchases through the standard tool-calling interface, and Authoryze handles the approval flow and card issuance without requiring changes to the agent's underlying code. The integration is designed to be minimal from the agent's perspective, so you do not need to rewrite how your agent thinks about payments.

The transaction log provides a complete audit trail. Every purchase request, approval, rejection, and completed transaction is recorded with timestamps, amounts, merchants, the justification the agent provided, and which approval method was used. This matters for anyone running multiple agents or debugging unexpected charges. The visibility is granular enough to trace exactly what happened and when, which helps if you need to understand why an agent made a particular purchase or if you need to demonstrate compliance with internal spending policies.

Use cases span a range of agentic spending scenarios. Agents that need to top up API credits with OpenAI, Anthropic, or other providers can do so within approved budgets. Agents managing ad campaigns can refill Google or Meta ad accounts without manual intervention, staying within daily or weekly limits. Agents that need to purchase software subscriptions, data services, or scraping tools can be authorized to do so without you exposing your primary card. Time-sensitive purchases, like grabbing a limited-release item before it sells out, can be auto-approved within thresholds so the agent does not need to wait for you to wake up.

The target audience is developers and businesses deploying AI agents that need to interact with paid services. If you are building an agent that subscribes to APIs, buys cloud resources, or orders products on behalf of users, you need a way to authorize payments without handing over unrestricted card access. Individual users experimenting with agentic workflows could also benefit, especially if they are nervous about letting agents loose on spending decisions. The product sits at the intersection of fintech and AI tooling, serving anyone who needs governance over autonomous spending.

What makes Authoryze distinct is the focus on AI-specific payment security rather than general virtual card services. Virtual cards exist elsewhere, but the integration with Claude, ChatGPT, and custom agent frameworks is purpose-built for the agentic use case. The approval workflow is designed for automation, not for a human swiping a card. The controls assume that the spender is a piece of software that might make mistakes, not a person who can exercise judgment in the moment.

Pricing is not fully disclosed on the landing page, though a 1.5% transaction fee with a fifty-cent minimum is mentioned. The product appears functional with real transaction examples shown on the site. Documentation is available for those ready to integrate. If you are deploying AI agents that spend money, this is a practical solution for keeping that spending under control while still letting agents act autonomously within defined limits.